Project No One Leaves
Project No One Leaves (PNOL) is a Boston non-profit tenants' rights organization which provides legal education to people living in foreclosed homes to enable them to understand and protect their legal rights. The group was established in 2008 by members of the Harvard Legal Aid Bureau who specialized in housing law in response to a perceived spike in foreclosures and mass evictions in low-income Boston neighborhoods.
In September of that same year Project No One Leaves was formally launched, with Hartigan and Haller being joined by Tony Borich, another Harvard student affiliated with the Harvard Legal Aid Bureau, the oldest student-run legal aid organization in the United States. The trio were concerned about an uptick in foreclosures and evictions meted out against low-income Bostonians due to the subprime mortgage crisis and set out to inform the occupants of foreclosed homes of their legal rights under the state laws of Massachusetts.
Project No One Leaves makes use of newly filed foreclosures in the area to create a database of affected residences. Residents are then contacted in person by volunteers with the project, which include students at Harvard Law School and eight other Boston-area law schools and colleges, as well as undergraduates and members of concerned community groups. In 2009, more than 1,000 people living in foreclosed properties were contacted by Project No One Leaves and informed of their legal rights, with a view to helping keep victims of foreclosure in their own homes.
Canvassers encourage residents to attend meetings of City Life/Vida Urbana to meet others in similar straits and help interested individuals to make contact with Harvard Legal Aid's Foreclosure Task Force and other legal aid organizations. This grassroots contact enables legal action to be taken against those mortgage-holders who are in violation of the law. Law students have won a series of cash settlements by those banks which have failed to keep the properties they hold in satisfactory condition for habitation.
Working together, Project No One Leaves volunteers, City Life community organizers, and other groups work to pressure banks holding foreclosed properties to resell the assets to community lender Boston Community Capital (BCC), which mortgages or sometimes rents them to the original occupants at the current deflated market rate. BCC makes its money by charging a 25 percent premium on its purchase price. Residents are thus allowed to stay in their current dwelling on a more affordable fixed-rate mortgage, while banks are able to expeditiously turn over their foreclosed properties for somewhat more than they would typically expect.
In the 13 months between May 2010 and June 2011, BCC purchased a total of 55 properties containing a total of 125 residential units. Plans are in place for the future purchase and resale of hundreds of more homes, primarily in working class areas of Boston.
In November 2010, Project No One Leaves organized a national conference in which lawyers and community organizers from 15 states came to Boston to learn about the foreclosure resistance model espoused by the organization.
In April 2009 Project No One Leaves founders Dave Haller and Nick Hartigan received the Outstanding Student Award from the Clinical Legal Education Association in recognition of their excellence in clinical legal work.
Project No One Leaves and Boston Community Capital saw their national stature further elevated in April 2010 when chairman of the Federal Reserve Ben Bernanke cited their efforts as an example of how "local communities are meeting the challenges of tough times" in a public speech.
- "HLAB Students Stemming Foreclosure Crisis in Boston," Harvard Law School, Office of Pro Bono and Clinical Programs, www.law.harvard.edu/ Retrieved March 29, 2011.
- Elaine McArdle, "Staunching the Foreclosure Crisis: ‘Project No One Leaves’ keeps people in their homes," Harvard Law Bulletin, Winter 2010.
- Foreclosure Task Force information page. Retrieved March 29, 2011.
- John Leland, "Finding in Foreclosure a Beginning, Not an End," New York Times, March 22, 2010
- Sasha Abramsky, "The Boston Home Team: An Unlikely Grassroots Coalition is Fighting the City's Foreclosure Crisis One Property at a Time," The Nation, vol. 293, no. 1/2 (July 4/11, 2011), pp. 11-15.
- No One Leaves Miami official website, Retrieved March 29, 2011.
- "Community Responses to the Foreclosure Crisis," November 16, 2010.
- Jim Lehrer (moderator), "Boston Group Helps Homeowners 'Stand Up, Fight Back' Against Foreclosure," air date: October 19, 2010.
- John Leland, "Finding in Foreclosure a Beginning, Not an End," New York Times, March 22, 2010.
- Karen Brown, "No One Leaves Help for Struggling Homeowners to Avoid Foreclosure," February 22, 2011 (audio).
- Laura Bassett, "Boston Foreclosure Fighters: Banks Are 'Deceptive In Hosts of Ways.'" The Huffington Post, December 9, 2010.
- National Law Center on Homelessness and Poverty, In Just Times," vol. 9, no. 12 (December 2010).
- Nicholas Hartigan, "No One Leaves: Community Mobilization as a Response to the Foreclosure Crisis in Massachusetts," Harvard Civil Rights-Civil Liberties Law Review, vol. 45, pp. 181–204.